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$455,000

122 Carmel Bay DriveSanford, FL 32771

Listing updated: September 29, 2026 at 12:59 PM ET

Active

Listing courtesy of Redfin Corporation · David Bollet · MLS #O6402946 · Active · 407-708-9747

Beds

Baths

2,170

Sq Ft

0.11

Acres

2001

Built

◆$210/sqft◆360° tour

Single Family Residence

Property type

2001

Year built

4,644 sqft

Lot size

$210

Price / sq ft

$18/mo

HOA dues

148

Days on market

Garage spaces

Flood zone

About this home

Seller to offer credit of $7500 to buyer. Welcome to this spacious 4-bedroom, 2.5-bathroom, 2,170 sq. ft. two-story home in Monterey Oaks, offering a flexible layout and inviting living spaces throughout. The main level features a formal dining room and a versatile bonus room that can easily function as a 5th bedroom, home office, media room, or additional flex space to fit your needs. The kitchen is designed for both everyday living and entertaining, complete with solid surface countertops, a center island, and stainless steel appliances. It opens seamlessly to the generous living room, creating a comfortable and connected main living area. French doors lead to a screened-in patio, extending the living space outdoors. All bedrooms are located upstairs, providing added privacy from the main living areas. The primary suite offers a spacious retreat with an en suite bathroom featuring two separate showers, including a walk-in shower and a tub/shower combination, along with a large vanity and ample storage. Step outside to the screened lanai overlooking a spacious, fully fenced backyard framed by mature trees, offering a peaceful outdoor setting with room to relax or play. Conveniently located just minutes from theme parks, major shopping destinations, beaches, airports, and major highways, this home provides easy access to a wide range of local attractions and everyday conveniences.

Estimated monthly payment

Principal & interest$2,301

Property taxes$471

Home insurance (est.)$209

HOA dues$18

Down payment

20%

$91,000 downRate

6.5%

Term

Estimate only. Taxes use the listing's reported amount where available; insurance is a Florida-average estimate. Your actual payment will vary — run a full calculation or talk to a lender.

Price & listing history148 days on market

Status: Active
May 4, 2026
Listed$475,000
May 4, 2026
Price reduced$455,000

Property Documents

Documents the listing agent has made public for this property. Free to view and download.

Facts & features

Property type: Residential
Sub type: Single Family Residence
Status: Active
Days on market: 148
Subdivision: Monterey Oaks Ph 2 Rep
County: Seminole
Year built: 2001
Living area: 2,170 sq ft
Price/sq ft: $210
Building area: 2,594 sq ft (Public Records)
Lot size: 4,644 sq ft
Lot category: 0 to less than 1/4
Flood zone: X
Garage: 2 spaces
Annual taxes: $5,657 (2025)
Parcel #: 33-19-30-519-0000-0330
Zoning: PD
MLS #: O6402946

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Interior Details

Bedrooms: 4
Full bathrooms: 2
Half bathrooms: 1
Flooring: Carpet, Tile
Appliances: Cooktop, Dishwasher, Disposal, Dryer, Microwave, Refrigerator, Washer
Interior features: Ceiling Fans(s), Eat-in Kitchen, Other, PrimaryBedroom Upstairs, Solid Surface Counters, Vaulted Ceiling(s), Walk-In Closet(s)
Laundry: Inside, Laundry Room
Stories / Levels: Two
Direction faces: South

Heating & Cooling

Heating: Central, Electric
Cooling: Central Air

Parking

Garage spaces: 2
Attached garage: Yes
Parking features: Driveway, Garage Door Opener

HOA & Financial

HOA fee: $210 / Annually
Monthly HOA: $18/mo
Total monthly fees: $18/mo
Total annual fees: $210
HOA name: Sentry Management
CDD: No
Homestead exemption: Yes
Min lease term: 8-12 Months
Listing terms: Cash, Conventional, FHA, VA Loan
Ownership: Fee Simple
Available for lease: Yes
Lease restrictions: Yes
Additional lease restrictions: Buyer To Verify All Lease Restrictions

Exterior & Construction

Exterior features: Lighting, Other, Sidewalk
Construction materials: Block, Concrete, Stucco
Roof: Shingle
Foundation: Slab
Road surface: Asphalt, Paved

Utilities

Sewer: Public Sewer
Water source: Public
Utilities: Cable Available, Electricity Connected, Sewer Connected, Water Connected

Community

Pets allowed: Yes

Schools

ElementaryBIdyllwilde ElementaryGreatSchools ↗

MiddleASanford MiddleGreatSchools ↗

High SchoolBSeminole HighGreatSchools ↗

Letter grades: Florida DOE 2024–25 school grades (Orange, Seminole, Lake, Osceola, Brevard). Assigned schools from the listing agent — verify enrollment with the district.

Room Details

Room	Level	Dimensions
Kitchen	First
Living Room	First
Primary Bathroom	Second
Primary Bedroom	Second

Listing Details

Listing date: 2026-05-04
On market date: 2026-05-04
Original list price: $475,000
Occupant type: Owner
MLS area: 32771 - Sanford/Lake Forest
Listing AOR: Orlando Regional
Status changed: 2026-05-04
Tax legal description: LOT 33 MONTEREY OAKS PH 2 REPLAT PB 58 PGS 22-23

Flood risk

Minimal riskFEMA Zone X

Minimal-risk area outside the mapped floodplain. Flood insurance is optional and typically low-cost.

Source: FEMA flood zone reported on the listing. Confirm current designation at FEMA Flood Map Service Center.

Location

Directions

Head northeast on Exit 101A, Use the right 2 lanes to take the County 46A E ramp to Rinehart Rd N/Sanford, Use any lane to turn right onto H E Thomas Jr Pkwy/Seminole County Rd 46A, Continue onto W 25th St/H E Thomas Jr Pkwy, Turn left onto Upsala Rd, Turn left onto Monterey Oaks Dr, Turn right onto Spanish Bay Dr, Turn right onto Carmel Bay Dr, Destination will be on the right

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IDX information is provided exclusively for consumers’ personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing.

Based on information submitted to the MLS GRID as of September 29, 2026 at 12:59 PM ET. All data is obtained from various sources and may not have been verified by broker or MLS GRID. Supplied Open House Information is subject to change without notice. All information should be independently reviewed and verified for accuracy. Properties may or may not be listed by the office/agent presenting the information.

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